3884 E Encinas Ave, Gilbert, AZ 85234 Property Records

Maricopa County property record for 3884 E Encinas Ave, Gilbert, AZ 85234

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,039 sqft · built 1996
Lot Size	0.118 acres (5,179 sqft)
Owner	Individual Name on Record
Last Sale	$294,500 (Feb 2020)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`304-07-388`

Property Details

APN / Parcel Number

Primary APN	`304-07-388`

Interior

Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,039 sqft Living Area
1st Floor Area	1,031 sqft
2nd Floor Area	1,008 sqft

Exterior

Year Built	Built 1996
Exterior Material	Wood
Construction Type	Frame
Roof Material	Concrete Tile
Lot Area	5,179 sqft (0.118 acres)
Parking Spaces	2 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Refrigeration
Heating System	HVAC

Location & Zoning

Street Address	3884 E ENCINAS AVE
City	GILBERT
State	AZ
Zip	85234-3027
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-4
Legal Description	CAROL RAE RANCH MCR 395-24
Legal Range	06E
Legal Township	01S
Legal Section	02
Legal Quarter	SE
Quarter-Quarter Section	NE
Legal Subdivision	CAROL RAE RANCH
Legal Lot Number	346
Jurisdiction	MARICOPA AZ
Township / Civil Division	PHOENIX
Census Block Group	3
Census Block	3003
Census Tract	422621

Owner

Source: Maricopa County records, as of November 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	975 WILDWOOD LN, HIGHLAND PARK, IL 60035-4127
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 30, 2022	Deed of Trust, Mortgage · Line of Credit MOUNTAIN AMERICA FCU
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage SMART ASSETS LLC
Feb 7, 2020	Warranty Deed, Transfer · Conventional with PMI SIERRA RESOURCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2020 · Amount on Record
Deed Sale	Feb 7, 2020 · Amount on Record
Prior Sale	Jul 28, 2009 · Amount on Record
Deed Document Number	20200108171
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3884 E ENCINAS AVE, GILBERT, AZ 85234-3027
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000647822
Date	Jun 11, 2021
Instrument	20210647822

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	WEST JORDAN, UT 84084

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3884 E ENCINAS AVE, GILBERT, AZ 85234-3027
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	DRIGGS TITLE AGENCY INC-NV, DRIGGS TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3884 E ENCINAS AVE, GILBERT, AZ 85234-3027

Mortgage

Document Number	0000435640
Date	Apr 19, 2021
Instrument	20210435640

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3884 E ENCINAS AVE, GILBERT, AZ 85234-3027
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3084 EAST ENCINAS AVENUE, GILBERT, AZ 85234
Investor	Possibly a Property Investor

Mortgage

Document Number	0000865327
Date	Nov 30, 2022
Instrument	20220865327

Lender

Name	MOUNTAIN AMERICA FCU
Type	Credit Union
Address	SANDY, UT 84070

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MARICOPA AZ
Property Address	3884 E ENCINAS AVE, GILBERT, AZ 85234-3027
Document Number	0000173951
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 E SAN ANGELO AVE GILBERT AZ 852343348, GILBERT, AZ 85234-3348

Mortgage

Document Number	0000173951
Date	Feb 28, 2020
Instrument	173951

Lender

Name	SMART ASSETS LLC
Address	4365 E PECOS RD # 133, GILBERT, AZ 85295-8053

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MARICOPA AZ
Recording Date	Feb 7, 2020
Property Address	3884 E ENCINAS AVE, GILBERT, AZ 85234-3027
Document Number	0000108171
Instrument Date	Jan 29, 2020
Instrument	108171
Transaction Type	Transfer
Record Updated	Feb 19, 2020
Title Company	WEST TITLE AGENCY, WEST TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 WILDWOOD LN HIGHLAND PARK IL 600354127, HIGHLAND PARK, IL 60035-4127

Mortgage

Document Number	108172
Date	Feb 7, 2020
Instrument	108172

Lender

Name	SIERRA RESOURCE LLC
Address	1191 W MARINA DR, CHANDLER, AZ 85248-3736

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Maricopa County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	Arizona
County	Maricopa County
Municipality	Gilbert Town
Unified School District	Gilbert Unified District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$42,910 (+0.23%)	$429,100 (+0.23%) Land $85,800 Building $343,300
2025	$2,031.00 (+3.41%)
2024		$42,810	$428,100 Land $85,600 Building $342,500
2023	$1,964.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF GILBERT serves 247,600 people · EPA ID AZ0407092
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2017
Treatment and Procedure	Treatment report not submitted Oct 2017
Monitoring and Reporting	53 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 631 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
CenturyLink DSL	140 / 20

May also be available: Verizon.

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